Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NJ LENDERS CORP. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,430 | +0.006% | 798 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,033 | -0.021% | 120 | |
3 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,064 | +0.147% | 422 | |
4 | AMERICAN FEDERAL MORTGAGE CORPORATION | Exceptional | Exceptional | Strong | Acceptable | Strong | $52 | -0.259% | 117 | |
5 | PINNACLE MORTGAGE, INC. | Exceptional | Exceptional | Sound | Sound | Strong | $1,404 | +0.003% | 56 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,513 | +0.187% | 1,338 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,742 | +0.133% | 1,177 | |
8 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | Strong | $3,005 | +0.162% | 88 | |
9 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,719 | +0.495% | 75 | |
10 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,204 | +0.370% | 1,335 | |
11 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,334 | +0.089% | 1,050 | |
12 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,693 | +0.541% | 338 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,254 | +0.144% | 231 | |
14 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,748 | +0.542% | 66 | |
15 | MLD MORTGAGE INC. | Strong | Sound | Strong | Strong | Strong | $1,930 | -0.038% | 59 | |
16 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $630 | -0.217% | 55 | |
17 | BETTER MORTGAGE CORPORATION | Strong | Exceptional | Strong | Mediocre | Sound | -$815 | -0.051% | 46 | |
18 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $1,092 | +0.373% | 39 | |
19 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,487 | +0.202% | 377 | |
20 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,352 | +0.409% | 304 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,514 | +0.289% | 234 | |
22 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,196 | +0.211% | 224 | |
23 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,231 | +0.448% | 141 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,094 | +0.324% | 140 | |
25 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,502 | +0.246% | 123 | |
26 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,993 | +0.334% | 82 | |
27 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,157 | +0.466% | 77 | |
28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,175 | +0.362% | 77 | |
29 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,837 | +0.356% | 71 | |
30 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,322 | +0.609% | 62 | |
31 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,106 | +0.477% | 406 | |
32 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Exceptional | $4,451 | +0.452% | 364 | |
33 | MORTGAGE ACCESS CORP. | Strong | Acceptable | Strong | Sound | Exceptional | $3,366 | +0.293% | 177 | |
34 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,934 | +0.401% | 169 | |
35 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,886 | +0.566% | 112 | |
36 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,505 | +0.489% | 49 | |
37 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,844 | +0.451% | 47 | |
38 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Sound | Strong | $2,525 | +0.297% | 206 | |
39 | NORWICH COMMERCIAL GROUP, INC. | Strong | Acceptable | Strong | Sound | Strong | $3,559 | +0.495% | 93 | |
40 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,867 | +0.325% | 44 | |
41 | BOND STREET MORTGAGE, LLC | Sound | Acceptable | Sound | Sound | Strong | $2,492 | +0.339% | 144 | |
42 | NATIONWIDE MORTGAGE BANKERS, INC. | Sound | Mediocre | Strong | Strong | Strong | $6,428 | +0.755% | 122 | |
43 | MILLENIUM HOME MORTGAGE, LLC | Sound | Acceptable | Sound | Sound | Strong | $3,434 | +0.104% | 109 | |
44 | FIRST ALLIANCE HOME MORTGAGE, LLC | Sound | Acceptable | Sound | Sound | Strong | $4,122 | +0.271% | 68 | |
45 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Sound | Strong | $4,386 | +0.512% | 117 | |
46 | UNITED MORTGAGE CORP. | Sound | Mediocre | Strong | Sound | Strong | $5,878 | +0.605% | 71 | |
47 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $4,761 | +0.366% | 41 | |
48 | 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | Sound | Acceptable | Acceptable | Sound | Strong | $3,739 | +0.327% | 40 | |
49 | NP, INC. | Sound | Mediocre | Strong | Sound | Sound | $3,296 | +1.567% | 38 | |
50 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Sound | $2,804 | +0.764% | 38 |
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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